Bajaj Finserv Financial Overview

- Executive summary – Bajaj Housing Finance Limited Lease Rental Discounting • B BAJAJ FINSERV USD 1 = INR 75 Offers loan against lease rentals to high net worth individuals and developers on commercial property leased mainly to corporate tenants • All lease rental discounting transactions are backed by rentals through escrow mechanism • Ticket size of lease rental discounting ranges from $ 1-25 MM with an average ticket size of approximately $ 3 MM • Currently present across 8 locations in India (Mumbai, Delhi, Bangalore, Pune, Ahmedabad, Chennai, Kolkata and Hyderabad) Developer Financing • Offers construction finance and inventory finance mainly to category A and A+ developers in India • Average ticket size ranges between $ 2-5 MM • Currently present in 8 locations (Mumbai, Bangalore, Pune, Ahmedabad, Chennai, Kolkata, Hyderabad and Surat) Credit Quality Treasury ● • · Gross NPA and Net NPA, recognized as per extant NHB prudential norms and provisioned as per Expected Credit Loss (ECL) method prescribed in Ind AS, as of 30 June 2020 stood at 0.08% and 0.05% respectively Strategy is to create balanced and sustained mix of borrowings Borrowings stood at $ 3,387 MM with a mix of 69 : 31 between banks and money arkets as of 30 June 2020 Credit Rating • Credit rating for long term borrowing is AAA/Stable by CRISIL & IND AAA/Stable by India Ratings Credit rating for short term borrowing is A1+ by CRISIL & IND A1+ by India Ratings Back 24

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